Struggling under crushing debt can have serious consequences on every aspect of your life, from your health and relationships to your finances. Whether you’ve recently lost your job or have just fallen behind on your payments, you may feel like you have no options. In California, Arizona, or Nevada, the experienced divorce and family attorneys at Knochel Law Office also provide comprehensive bankruptcy services to help you get your life back together.

Depending on your situation, you may be eligible for Chapter 7 or Chapter 13 bankruptcy protection. Chapter 7 is for people looking for a fresh start, or those experiencing unstable unemployment. Under Chapter 7, all of your unsecured debts are discharged, including mortgage loans, credit cards, and medical expenses, among others. The court may seize some of your assets to pay off the debts, but you’ll be protected against garnishment, lawsuits, and repossession, and you may be able to keep some of your most important property.

Chapter 13 bankruptcies are better for people with stable employment who just need a chance to catch up. This program creates a payment plan of five-to-seven years that allows you to pay off your creditors, protecting your assets and putting a stop to further collection action. After the payment period, any remaining debt is typically discharged. Like Chapter 7, a Chapter 13 includes an automatic stay that immediately ends foreclosures, liens, and other creditor harassment.

The bankruptcy attorneys at Knochel Law Office have over 30 years’ experience helping people get their lives back on track. Visit their website to learn how they can help, or just call (928) 444-1000 to schedule a free consultation with these respected bankruptcy and criminal attorneys today.